Dean Co-Operative Bank
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Data as of · sourced from FFIEC call reports. How we update
Dean Co-Operative Bank is an FDIC-insured savings bank headquartered in Franklin, MA, established in 1889 (FDIC certificate 27269), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $494.3M, up 2.7% from Q2 2025, the 69th largest of 89 banks headquartered in Massachusetts. Its CET1 capital ratio was 13.42% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 27269
- Headquarters
- Franklin, MA
- Established
- 1889
- Total assets, Q2 2026
- $494.3M
- Assets vs Q2 2025
- +2.7%
- CET1 ratio, Q2 2026
- 13.42%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 211372035
- Latest call report
- Q2 2026, FFIEC 041 · Dean Co-Operative Bank call report
- Asset rank in state
- 69th of 89 in Massachusetts
Dean Co-Operative Bank spends more to run itself than most banks of its size. Based in Franklin, Massachusetts, it had $494 million in assets at June 30, 2026, up 2.7% from a year earlier. It earns about $0.38 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $472,000, 56% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $11 million equal 27% of Tier 1 capital, down from 34% a year earlier. Where it has less room is capital: it funds 8.26% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.99%).
As of June 30, 2026, Dean Co-Operative Bank reported a CET1 capital ratio of 13.42%, a return on assets of 0.38%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 1.28%. The figures come from its call report filed with the FFIEC.
Dean Co-Operative Bank ranks as the 69th largest of the 89 banks based in Massachusetts, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.2% to $494.3M, loans rose 2.5% and deposits fell 0.5%. 1-4 family residential loans made up 70.0% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 8.9%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in MA; its Franklin office books 46% of its branch deposits. Judged on its Q2 2026 call report, Dean Co-Operative Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 21 Main St, Franklin, MA 02038
- County
- Norfolk
- Metro Area
- Boston-Cambridge-Newton, MA-NH
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 1, Boston
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 1, 1889
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $420.6M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $113K
- Average total assets
- $497.1M
- Average total loans
- $352.4M
- Average interest-bearing deposits
- $291.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- May 11, 1988
- FDIC Cert
- 27269
- Fed RSSD
- 271275
- Website
- www.deanbank.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Dean Co-Operative Bank's total assets ran between $450.4M (Q3 2023) and $494.3M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$494.3M total assets against $481.5M; $461.1M total liabilities against $451.9M.
$352.6M net loans and leases against $341.5M; $420.6M total deposits against $414.9M.
$103.7M securities against $107.2M; $15.6M cash and balances due against $9.9M.
$5.5M total interest income against $5.0M; $1.6M total interest expense against $1.7M.
$3.9M net interest income against $3.3M.
$808K total noninterest income against $789K; $4.1M total noninterest expense against $3.7M.
No provision recorded in the last 12 quarters.
$472K net income against $302K.
0.38% return on assets against 0.25%; 3.22% net interest margin against 2.86%.
13.42% CET1 capital ratio against 13.11%; 8.26% tier 1 leverage ratio against 8.02%.
Inside the full Dean Co-Operative Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeDean Co-Operative Bank rankings
Its closest position to the top of a national ranking is 1,793 of 4,196, for total assets; its furthest is 3,411 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.11% (Q3 2024) to 0.40% (Q1 2026) and its net interest margin ran from 2.58% (Q3 2024) to 3.22% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.42% | 0.38% | 0.13% | 1.28% | 3.22% |
| Q1 2026 | 13.60% | 0.40% | 0.07% | 0.65% | 3.14% |
| Q4 2025 | 13.29% | 0.35% | 0.08% | 0.73% | 3.02% |
| Q3 2025 | 13.30% | 0.33% | 0.08% | 0.81% | 2.96% |
| Q2 2025 | 13.11% | 0.25% | 0.12% | 1.24% | 2.86% |
| Q1 2025 | 13.10% | 0.22% | 0.28% | 2.86% | 2.79% |
| Q4 2024 | 13.17% | 0.15% | 0.30% | 3.23% | 2.62% |
| Q3 2024 | 13.50% | 0.11% | 0.18% | 1.78% | 2.58% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Dean Co-Operative Bank (main office) | Franklin , MA | 02038 | $193.8M |
| Blackstone Branch | Blackstone , MA | 01504 | $101.5M |
| Pulaski Branch | Bellingham , MA | 02019 | $88.6M |
| Mendon Branch | Mendon , MA | 01756 | $36.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MA, rank 80 of 112 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 5 loans, $720K approved, $144K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Dean Co-Operative Bank
What are Dean Co-Operative Bank's total assets?
As of the Q2 2026 filing, Dean Co-Operative Bank reported total assets of $494.3 million in its FFIEC call report.
Where is Dean Co-Operative Bank headquartered?
It is headquartered in Franklin, MA, United States.
When was Dean Co-Operative Bank founded?
It was established in 1889, per the FDIC institution directory.
Is Dean Co-Operative Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #27269). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Dean Co-Operative Bank?
Dean Co-Operative Bank's primary federal regulator is the FDIC.
What is Dean Co-Operative Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.42% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Dean Co-Operative Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Dean Co-Operative Bank's Texas Ratio?
Its Texas Ratio is 1.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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